» Back to Sign In...

  Reduce your Credit Risk

D&B gives you knowledge about your customers via instant access to in depth & accurate information on over 2.8 million Australian and New Zealand businesses.

Once you have found a new customer and receive a commitment to purchase, you must make sure that this business opportunity will not become an unprofitable relationship. New customers may agree to do business with you but this does not mean you will get paid on time or will get paid at all.

Delinquency costs cash

Bad payers reduce your organisation cash flow, which could be used for growing your business. Bad payers make you consume internal resources, not only to recover overdue amounts but by putting increased pressure on sales, to make up for the loss.

Wasted resources continually erode your cash flow and ultimately impact on your bottom line. The pursuit of excellence in minimising bad and doubtful debt is D&B's core competency and benchmark of strength. We strive to make all your business opportunities profitable relationships.

The more you know

One word that describes the success of your credit decisioning process is "knowledge". The more you know about your applicant the more risk you eliminate. D&B gives you knowledge about your customers via instant access to in depth & accurate information on over 2.8 million Australian businesses (85 million worlwide). This knowledge is enhanced with sophisticated credit scoring models, allowing immediate credit decisioning on each of your customers. D&B preserves this valuable knowledge overtime by monitoring the behaviour of your customers against adverse changes.

Embedding D&B

By embedding D&B in your credit risk operations, you are able to verify your customers' identity, assess their credit worthiness and predict long-term stability. D&B offers manual and automated decision processes with single or multiple entries, for Australian and overseas applications. D&B provides insightful solutions to facilitate your day-to-day decision-making and streamline your application decisioning to make sure only valuable, profitable applicants become part of, and remain in, your customer portfolio.

  Identity Verification

 4 Consumer Credit Solutions

To assist you in developing and understanding a complete picture of an individual's credit history (Consumers, partnerships or sole traders), including their identity and prior credit history, D&B provides in depth and accurate information on millions of Australian Australian residents, available instantly. You can now integrate both commercial and consumer information right across your business information systems. D&B provide a comprehensive database with privacy compliant consumer identification & shared default data provided by members of the Consumer Credit Bureau.

Individual Public Record Enquiry

The D&B Public Record Enquiry is one of the quickest and most convenient ways to understand the risks associated with extending credit to a consumer. The D&B Consumer Public Record Enquiry is perfect for those low risk decisions where you would simply like to the identity of the consumer and confirm the presence or absence of court judgements or bankruptcy actions recorded against them. Authenticate and verify your applicant's identification.

Individual Adverse Enquiry

Step up from the public record enquiry to get details of all available adverse information recorded against an individual. This product delivers a quick check of consumer or commercial records to establish an individual credit worthiness without including previous enquiry data that may not be relevant to your credit decision.

Individual Bureau Enquiry

Assess an individual's credit risk, reduce exposure to bad debt and finally assess their creditworthiness. The D&B Consumer Bureau Enquiry goes that one step further when it comes to mitigating risk and is the ideal risk assessment tool for your higher risk decisions. Integrating additional information to that contained within the D&B Consumer Public Record Enquiry, the D&B Consumer Bureau Enquiry offers additional insight such as payment defaults and prior credit history, enabling you to feel confident in every decision.

Bureau Application Score Enquiry

Past behaviour is a strong and reliable indicator of what the future will bring. That is why D&B has developed the D&B Bureau Application Score as the backbone of this comprehensive report. Integrating a number of characteristics, blending applicant data and bureau data, this statistically based scoring model predicts the likelihood of a consumer defaulting on their payment obligations under their credit contract. For faster credit decisions with a greater level of confidence.

 4 Commercial Credit Solutions

Commercial Bureau Enquiry - Should I Ship?

Check on a business before doing business. Without adequate information, a decision to ship goods to an unknown company can put you in a highly vulnerable position, open to slow or late payments, even the chance your customer doesn't exist.

Delivered instantly, the quickest, most convenient tool for spotting potential credit risk before shipping to a new customer, extending credit or starting a new business relationship, the D&B Commercial Bureau Enquiry can give you ship/no ship advice on every company in Australia. It functions as a safety check on over 2.8 million businesses nation-wide, letting you verify the identity of the business and know about any adverse information that may signal trouble ahead.

 4 Shared Information Resources

D&B believes that when it comes to compiling comprehensive, accurate and relevant credit risk assessment, nothing adds more weight than objective information gathered from a variety of regulatory authorities.

ASIC - company and director identity verification

D&B provides real time access to information from the Australian Securities and Investments Commission (ASIC), the Commonwealth government's independent body responsible for regulating organisations covered by the Corporations Law. With immediate access to ASIC extracts and reports you can instantaneously verify the identity of a company or company director and rest assured that the entity is valid and operational.

Cross Director Matching

Was this director previously involved in a failed business? - All of D&B’s credit reports contain the enhanced automated Cross Directorship functionality, enabling you to identify if a company director has been involved in a previously failed business.

• Understand the other company boards that company directors are, or have been, involved with.
• Learn more about the relationships of an organisation you are about to extend credit to, evaluate a supplier relationship on, or investigate for business purposes.

How does it work? - The Cross Directorship system uses distinctive attributes of an individual to identify his or her involvement in other companies. To do so Creditgate utilises an automatic search to retrieve a listing of individuals' current or previous directorships. The data displayed on an individual’s Cross Directorship in D&B’s credit reports is: DUNS Number, Company Name and Company Status. You can now find instantly if a company director has been involved with a company under external administration.

REVS - Check security interests

CreditGate delivers direct online access to REVS (Register of Encumbered Vehicles). REVS holds encumbrance information about motor vehicles, trucks, motor bikes, caravans, trailers, specific farm machinery and boats that have been used as security for a loan from a bank, finance company, credit union or other credit provider.

• Check whether a vehicle you have security over has money owing on it
• Provides full details of vehicle encumbrances or indicates if encumbrances exist

A financier can recover goods in which it has an interest no matter who has purported to buy them, e.g. the financier's interest takes priority over subsequent purchasers. To check you must supply: Registration Number, VIN or chassis number (car), Hull Identification Number (boat), Engine number(s).

ITSA - Bankruptcy search

Creditgate also offers direct online access to ITSA (The Insolvency and Trustee Service of Australia) better known as the Bankruptcy Database. Before extending credit to a consumer or preparing a Director's Guarantee, D&B customers can check an applicant’s solvency status to make sure the individual is legally entitled to contract with them.

• Check director’s solvency status before extending credit to their business
• Find comprehensive details on a consumer’s personal bankruptcy

PPSR - Check security interests in NZ

D&B ensure you maintain a complete picture of all your security interests by embedding PPSR (Personal Property Securities Register) information in its New Zealand credit reports. For D&B customers, PPSR is instantly available. PPSR information helps to refine delinquency prediction as it enhances D&B's Dynamic Delinquency Score (DDS). PPSR is also offered as a stand-alone product and is available to both New Zealand and Australian customers.

The PPSR gives you a better understanding as to where you stand in the queue of your customer's creditors. If you are extending credit to your customer, PPSR will give you an additional risk indicator. PPSR records information concerning business loans where goods and other personal properties are used as "collateral" to secure loans. The more registered securities your applicant has the increased degree of credit risk. The registered security interests will take priority over unsecured credit risk in case of insolvency. PPSR elements include: Date of Registration, Expiry Date, Status, Secured Party, Collateral Type.

Land Titles - Check property ownership

In Australia, through D&B you can search for land titles and receive electronic confirmation of ownership, images of plans and dealings. D&B provide you with comprehensive property and land titles in both real time and off line searching throughout Australia.

In New Zealand, through D&B you can search property information via Terranet. With Terranet access via Creditgate, D&B helps customers reduce their credit risk by providing an insight into an applicant's property ownership.

• Search by owner's name, address, title reference and legal description.
• Obtain the latest sales on a property and land parcels, view valuations and sales history.
• Order and print out wide variety of detailed reports.

Share customer defaults

As a customer of D&B you have an important role to play in the credit industry. Sharing default information with other credit providers ensures that the credit community is alerted to bad payers. Customers who list payment default information also benefit - accelerating their ability to have their outstanding account paid. Do you want to extend credit to customers who do not pay their accounts? Shared bureau information provides protection against future bad and doubtful debt.

On CreditGate you have the ability to default list both commercial and consumer accounts online that are overdue by more than 60 days. Defaults listed are displayed in all D&B credit reports. You can also update payment details online, for accounts that you previously default listed.

Payment defaults are one of the earliest indicators that an organisation may experience financial distress, default listing your delinquent debtors will assist in escalating the likelihood and timeliness of recovery; both in the short and long term. The listing will remain for a period of 5 years, enabling increased probability of recovery long after the account has been written off. Listing default information provides more granular detail to people making credit decisions.

Share trade payment information

Millions of objective trade payment references are incorporated into the D&B database every month. Historical trade payments are reflective of your potential customer's trade experience with other businesses, in particular their payment habits and performance. The integrity of the source guarantees a more accurate and balanced portrayal of businesses payment performance. By processing and analysing this information, along with other data, D&B is able to provide you with the complete picture of businesses payment habits.

» Back to Top...  » Back to Sign In...

  Credit Decisioning

Based on over 160 years experience in business and credit risk information, D&B's portfolio of scoring models incorporate state-of-the-art statistical modelling techniques. D&B provide the most powerful, predictive scoring solutions available to assist with your complex credit decisions. Whether you require a score to assess the probability of a business experiencing financial distress or to predict how a company is likely to pay you, D&B has a model suited to your every need.

 4 Company reports

Payment Predictor - How soon will I get paid?

When it comes to making credit decisions, past performance is a leading indicator of what the future will bring. Knowing how a company has paid other creditors provides excellent insight into the payment behaviour your customer is likely to exhibit - dramatically reducing the risk of delinquency or non-payment. To turn payment history into exploitable information, D&B has developed the Dynamic Delinquency Score* (DDS). Based on past payment performance the DDS is a predictive model measuring the probability of a business paying in a severely delinquent manner. Incorporating the DDS into your credit decisioning process provides additional insight enabling you to decide quickly and confidently whether to accept or reject accounts, adjust terms or credit limits, or conduct a more extensive review. By predetermining a cut-off score, based on approval rate information provided in the report, your credit decisions will be consistent, well informed and virtually automatic. The D&B DDS facilitate faster, more confident credit decisions without the need for costly, labour intensive account analysis.

*Dynamic Delinquency Score (DDS) - The Dynamic Delinquency Score, a compilation of financial, credit and demographic factors, is a statistically derived measure that assesses the probability of a firm paying its bills in a severely delinquent manner (90+day past terms) over the next 12 months. Benchmarked by individual industry segment, the DDS tells you how the company measures up to other businesses in D&B's database.

Payment Analysis - How has this company been paying others?

D&B Payment Analysis presents you with the ability to analyse a company's past payment behaviour and expected future performance in precise detail, via objective Trade Payment information, trends, and industry comparisons as well as the predictive DDS*.

Every year, thousands of companies in Australia and around the world share details of payment experiences on the organisations they do business with. Accounts receivable information is loaded monthly into D&B's database which identifies the proportion and type of accounts paid promptly. Trade Payment information can reveal fluctuations in settling accounts over a 12-month period, and help establish whether you are likely to be a priority when settling accounts.

What's more, you can compare your order value with similar transactions, assisting to identify specific payment problems. With independent research having shown that around 90% of companies that fail exhibit delayed, fluctuating or below industry average payment behaviour before their demise, there is no greater insight available to today's credit professionals than that facilitated by D&B's unique trade payment intelligence in the D&B Payment Analysis.

DRS Report - What is this company's probability of default?

When looking for efficiency, scoring is the key. The D&B DRS Report, combines all the information on a business in the commercial credit bureau and calculates the probability of default in an easy to read Dynamic Risk score.

*Dynamic Risk Score (DRS) - DRS functions as a fiscal crystal ball, evaluating the probability that a business will experience severe financial distress due to one of the following conditions: ceasing operations, owing money to creditors and insolvency. The DRS evaluates business stability and calculates the probability of default. This statistical analysis uses past behaviour to predict future performance - specifically that a business will experience severe financial distress within the next 12 months.

In addition, it includes the respective credit risk for the industry as a whole, putting the company's score in a meaningful context.

Computed from over 100 predictive factors, including financial, credit and business demographic information, the DRS can simplify complex or risky credit decisions by doing the evaluation for you. Identifying varying degrees of risk, the DRS provides credit recommendations, enabling credit decisioning support at a glance for new accounts or high-value transactions.

Using a statistically predictive credit score like the DRS helps you avoid the pitfalls common to traditional rules-based technology such as bias, dependence on the inventor's knowledge and maintenance difficulties. With the DRS, every factor is analysed bias-free, the results validated for statistical significance and counter-intuitive elements are only included if they prove to be statistically predictive. The result? More confident decisions when they count most.

eLimit - How much credit should I extend?

eLimit was developed in response to customer requests for more guidance in establishing credit limits or credit lines. With eLimit you are able to maximise sales potential whilst at the same time manage credit risk.

• Accelerate the credit approval process - eLimit accelerates the credit approval, credit review and management reporting processes whilst maintaining acceptable levels of risk.
• Provide consistent decisions - eLimit provides consistent decisions based on the same benchmarks when you are unsure how much credit to extend.
• Reduce the number of accounts on credit hold - Using D&B’s eLimit does not necessarily mean that an account should be rejected, but it may help the decision maker place fewer accounts on hold in order to investigate them further prior to establishing the appropriate credit limit. It also helps credit professionals determine an appropriate level of the applicant’s credit capacity, particularly for new customers they may not be familiar with.

How is the credit limit generated? - The credit recommendation uses D&B’s exclusive statistical modelling and risk assessment tools to establish credit limit guidelines based on industry classification, company size and D&B's Dynamic Risk Score, which uses over 25 variables including financial statements, trade payment history, company age and structure, charges, collections, defaults and judgements.

Credit Limit interpretation - eLimit provides two recommended dollar guidelines:
Minimum Credit Limit - A conservative limit, which suggests a dollar benchmark if your policy is to extend less credit to minimise risk.
Maximum Credit Limit - A maximum limit, which suggests a dollar benchmark if your policy extends the maximum amount of credit whilst not deteriorating the risk.

Utilisation of eLimit - The report is suitable when you want to determine an appropriate level of a prospect’s trade credit capacity, review account, fulfilling customer requests for increased credit limit and management reporting.

Reports available:

1. eLimit Report
2. eLimit + refreshed ASIC Extract Report
3. eLimit + refreshed ASIC Historical Extract Report

D&B Report - Should I do Long Term Business with this Company?

There are times when credit decisions require more in-depth information, the kind that can provide insight into a firm's long term operations, profitability and stability. Complex, high-risk decisions call for powerful analytical tools, the kind found in the D&B Report, the cornerstone credit report from D&B.

Further contextual information is provided by three years of financial ratios benchmarked against industry norms: short and long term financial risk, efficiency, quality of receivables and assets to sales - as well as a five-year comprehensive analysis of a company's financial position.

The D&B Report provides a solid foundation for making your medium-to-higher risk decisions.

It determines the stability of new or existing customers by assessing a firm's operations, credit history and financial performance to help you make daily credit decisions, plan sales calls, discover business opportunities, evaluate tender applications and assess major suppliers for government or private contracts.

Among other essential details the D&B Report contains:

• Dynamic Risk Score (DRS)
• Dynamic Delinquency Score (DDS)
• 5 years Key Financial information comparative
• Statement of financial position
• Statement of financial performance
• Statement of cash flow
• Key Financial Analysis ratios

 4 Country risk reports

A comprehensive information source for evaluating cross-border risks and opportunities around the globe. Any firm or individual who conducts cross-border transactions is exposed to country risk: the risk associated with a country’s overall political, economic and commercial performance. Whether you are involved in foreign trade, direct investment or portfolio management, D&B Country Risk products allow you to evaluate country risk. These regional or global subscription services contain a combination of monitoring and in-depth reports and are supplemented with regularly updated headline alerts and archived briefing documents on a range of topics of interest to international business.

D&B International Risk & Payment Review

D&B's International Risk &Payment Review provides detailed analysis on the risks and opportunities of doing business in over 132 countries.

The D&B International Risk &Payment Review prepares corporations and investors for the risks involved in doing business within specific countries. This monthly periodical tracks the economic, political and commercial risk factors that affect trade and includes key data such as payment terms and delays, currency fluctuations and the unique D&B Country Risk Indicator which rates the overall risk of doing business with a specific country. Each country assessment includes a two-year forecast, which facilitates the management of ongoing business risk. International Risk &Payment Review is provided on an annual subscription basis and is available in the following formats: printed journal (with monthly updates), Internet Access, or diskettes (with monthly updates).

Report includes key data such as:

• Payment terms and delays
• Currency fluctuations
• Economic Indicators and Risk Analysis
• The unique D&B Country Risk Indicator which rates the overall risk of doing business with a specific country
• A two-year country specific forecast that facilitates the management of ongoing business risk

The D&B International Risk and Payment Review is researched and written by D&B's international business analysts from information supplied by D&B's global network of reporting countries.

D&B Country RiskLine

Individual countries from International Risk &Payment Review - Up-to-date snapshot (around 4 pages) on the overall risk of doing business in another country including analysis of political, commercial and economic risk covering over 132 countries worldwide. Updated monthly, D&B Country RiskLine Reports help you evaluate the current terms and business trading conditions in a foreign country and is ideal when you need quick information on just one country. Data includes a Country Risk Indicator, a guide to payment terms and delays, key economic indicators with forecasts and a concise analysis of the latest developments.

The reports offer critical trade data including:

• Usual terms of credit
• D&B's recommended country credit terms
• Average time local banks take to exchange currency
• D&B’s unique CountryRisk Indicator, which assesses the risk of doing business in a country

D&B Country Report

Detailed information required to evaluate critical trade and investment decisions on a single country.

Comprehensive information for evaluating risks and opportunities across the globe, providing a unique insight into the relative performance of different countries. D&B Country Report - Contains around 60 pages of in-depth political, economic and commercial data and analysis, including changes in business risk and a detailed forecast of a country's prospects in the short to medium term.

Offers critical information and analysis on the trade environment of an individual country to support an investment decision, while minimising exposure to the risk of doing business in a particular country. Offers more than 60 pages of in-depth analysis for evaluating the risks and opportunities of doing business in foreign country.

These detailed reports, available for 132 countries, are divided into six sections to help you address the key areas of risk that may impact your international business:

• Political Risk - How stable is the country's government?
• Economic Risk - Is the economy expanding or contracting?
• External Risk - Is the currency stable or unstable?
• Commercial Risk - Will I get paid? How quickly will I get paid?
• Trade Environment - Have import regulations changed?
• Investment Environment - In which sectors can I safely invest?

Analysis includes economic forecasts and the D&B Country Risk Indicator rating which provides a cross-country comparison of the risks of doing business around the globe. A monitoring option is also available, with D&B Country Reports in-depth report plus 11 monthly updates alerting you to critical information D&B learns of on recommended and usual payment terms, foreign exchange/bank delays, and an overview of the latest country risk situation. Individual D&B Country Reports are available in printed format.

» Back to Top...  » Back to Sign In...

  Application Processing

 4 CreditGate - Manual online processing

D&B offers customers easy and instant access to the full range of credit decisioning solutions via Creditgate, the sophisticated online ordering system here at www.dnb.com.au/creditrisk

Using your unique access details, including subscriber number, password and user identification code you can access the worlds largest, most insightful database. The D&B database, holds information on over 85 million global businesses, 2.8 million of which are Australian. From simple verification tools, such as the D&B Commercial Business Enquiry, through to full, in-depth, analytical products like the D&B Report, all the business and consumer credit information you need to make fast and confident business decisions is available 24 hours a day, 7 days.

Select your preferred delivery method, such as view on screen, e-mail or fax or via CreditGate Mailbox. The CreditGate Mailbox provides a secure personal folder storing all business information reports ordered by yourself and other users within your organisation for 12 months from the original order date. The CreditGate Mailbox is time and cost effective as it eliminates the risk of duplicate report ordering between subscribers and/or offices.

 4D&B  Censeo - Automated Credit Decisioning

Consistent, accurate credit decisions in seconds

Automate your credit application processing and decisioning to help you drive revenue growth, reduce credit risk and maximise your cash flow.

Among the multitude of challenges facing credit organisations today, one stands above the rest: Increasing top line revenues, while maximising the available resources to manage the associated credit risk.

Automation overcomes this challenge.

Automated credit decisioning provides quick, consistent results whilst enabling your resources to focus on difficult or higher-value transactions.

D&B enables Automation by introducing Censeo

• D&B Censeoautomates the end-to-end credit decision process including information access, scoring, credit recommendation, notification of decisions and monitoring - allowing informed credit decisions to be made at the point of sale, in a fraction of the time previously achieved.



• D&B Censeo is customised to your exact credit policies.You can set your own decision strategy by specifying unique policy and business rules that will automate your credit decisioning.



• D&B Censeo is available on the web based ordering system CreditGate to process credit applications confidently, enabling you to minimise risks, capture more profitable opportunities while reducing costs.

Censeo revolutionises the credit decision making process by automating each step, making end-to-end, instant decisions a reality.

More efficient credit operations

• Organisation-wide consistent credit risk assessment
• Blend applicant data, bureau data &credit policy rules
• Free up resources to focus on difficult or higher-value transactions while saving time, paperwork and phone calls required for manual credit checks on low risk accounts
• Easy to start with real time web access across your organisation
• Rapid implementation with no system maintenance
• Delegate credit evaluation duties to staff with greater confidence
• Monitor accounts that require immediate attention with D&B Internet Alert

Accurate decisions

• Instant access to accurate and in depth information on over 2.8 million businesses in Australia & New Zealand
• Generate a Credit Limit recommendation
• Customised credit policy, business rules &scorecards
• Dynamic workflow enabling flexible decisioning process
• Storage of decisions, credit limit and bureau information for financial analysis

Increased profitability

• High volume of decision processing
• Provide quick response to customer enquiries while reducing abandonment rate
• Upsell at the point of contact through quick credit line approval
• Pre-qualify prospect before customer calls/visits ensuring maximum revenue opportunities

D&B CENSEO Flyer (AU) - 295KB

 4 Data integration Toolkit - Host 2 Host

Automate the integration of D&B information directly into your systems or B2B e-commerce applications by creating your own, unique application to interface with D&B. D&B's Data Integration Toolkit is an easy and flexible way to build access to the business intelligence you need. The toolkit makes integrating data directly into your own systems and applications easy and cost-effective.

It uses standard XML Internet messaging technologies enabling you to access enterprise-wide business intelligence quickly and efficiently. Using your own unique and powerful interface, you'll be able to order, capture and share D&B's world class data into your host environment - into the hands of the people making day to day decisions, to increase productivity. You can even automate your systems to free up valuable resources or support transactions via your B2B application where it's critical to know who you are dealing with.

Data Integration Products have been designed specifically for integration, enabling you to minimise local and regional differences and select just the information you need to perform specific functions, from a simple Commercial bureau enquiry to more complex decision support or vendor management activities. The process is based on data designed for integration so you can automate the monitoring and updating of your whole portfolio, rather than just focussing on the high-risk cases.

» Back to Top...  » Back to Sign In...

  Behavioural Monitoring

Our experience shows that, on average, 80% of bad debt comes from companies that you have been working with for more than a year. Monitoring accounts can be a time consuming and costly exercise. To overcome this obstacle, D&B has a range of sophisticated tools available to assist you effectively monitor your accounts with real time information, enabling you to pre-empt any possible problems and re-adjust appropriately your rules.

 4 Internet Alert

Internet Alert can help protect you from the financial damage that can occur long after the initial credit decision has been made. When it comes to monitoring the lifecycle of your customers, there is no tool more powerful than Internet Alert. Regardless of whether you choose to monitor an individual customer or your entire customer portfolio, Internet Alert can be customised for each customer. Simply nominate the key information you want to keep an eye on and let D&B's sophisticated web centric technology do the rest. You focus on the assessment of new customers whilst D&B monitors your existing customer portfolio and automatically alerts you, by email notification, to changes adversely affecting their credit status. Internet Alert makes monitoring a painless process. Internet Alert provides an additional layer of confidence, knowing you will be notified of any sudden changes that may impact your cashflow and your business. Internet Alert allows you to monitor public notices, court records, shared default information, D&B collection notices, new registered charges, new D&B report updates, and changes to the DRS and DDS credit scores.

 4 DRS Alert

Monitoring the stability of accounts is vital to protect one of the businesses most important assets - its accounts receivable. DRS Alert automates the monitoring process and thus makes monitoring an easy, efficient and effective way to manage the lifecycle of your customers. DRS Alert works along side existing internal procedures and therefore integrates with your own processes. DRS Alert can work on any time basis, for instance monthly or quarterly. You simply select the accounts you wish to monitor and provide D&B with the following details: Name of Account, ACN or ABN, Address, Telephone number (if available), DUNS number (if available). All you need then decide is the time frame for monitoring, for instance would you prefer weekly, monthly or quarterly monitoring. The result? Confidence that you will be made aware of potential problems the moment they arise.

 4 Trade Exchange

D&B's Trade Exchange Program adds more timely and accurate credit information regarding your customers' payment history. By submitting trade experiences to D&B, you may see an improvement in your own collections. When your invoices state that all payment histories are automatically reported to D&B, your "slow paying customers" may respond faster while your better-paying customers will appreciate knowing their prompt payment is rewarded with a strong credit record.

D&B's Trade Exchange Program maintains the integrity of credit information because it includes completely objective good and bad experiences. By participating in the Trade Exchange Program you are entitled to free D&B DUNS® Numbering of your files, validation of the legal name of your customers, free Internet Alert upload and a comprehensive Trade Risk Analysis or Trade Delinquency Analysis of your customer portfolio. Using the power of D&B's predictive scoring models, the Trade Risk and Delinquency Analysis provide a clear understanding of the strengths and weaknesses of your customers.

This 'Health Check' includes a breakdown of the debtors ledger into the highest risk categories. Sharing objective trade, debt recovery data and default notices within D&B enables you to make decisions based on granular, value-added information. You will be able to quickly determine when you are likely to be paid, pinpoint changes in payment trends and seasonal variations, draw comparison between a businesses payment record and its industry average, compare your order value with similar transactions and finally analyse payment trends and assess the potential of business failure.

» Back to Top...  » Back to Sign In...